Branch Manager

About the role

Accountable for the day-to-day activities of the branch, ensuring that all policies and procedures are carried out effectively. Maintains communication between staff and upper management, provides support, training, and guidance to staff, and is responsible for producing a satisfactory profit.

Responsibilities

• Ensure all daily duties of the branch and staff are completed every day.
• Train employees continuously on company policy and procedures.
• Ensure compliance with all Federal, State, and Local laws and adherence to best ethical standards.
• Provide leadership to motivate employees and maintain a high degree of branch production by meeting and exceeding company standards involving loans, collections, and expense control.
• Maintain consistent growth in accounts and receivables through customer retention and effective advertisement.
• Prepare special reports as needed.
• Control assets, extend credit appropriately, manage collections, and handle past-due customers to maintain a profitable branch.
• Ensure all personnel are at work on time and manage their time throughout the day through effective coaching.
• Prepare and submit all required reports to the home office and district supervisor complete, accurate, and on time.
• Acknowledge receipt of all correspondence from the home office requiring an answer the day it is received.
• Train all employees on proper loan office functions, including taking and processing applications, handling counter payments, enforcing contracts, making collection calls, and closing loans.
• Approve and close all New, FB, and Dual loans.
• Approve and close all increases on loans of established accounts.
• Handle, approve, and close all delinquent loans (30 days or more past due).
• Ensure all delinquent work is completed each day by 2:00 pm and that all customer records are filed in the proper fireproof cabinets at closing time.
• Keep the office neat and orderly at all times.
• Recommend and handle all legal procedures taken against customers.
• Refund any fees or charges made in error immediately upon discovery, regardless of amount.
• Promptly and systematically distribute insurance cancellation funds to customers in the prescribed manner.
• Distribute Life, Accident and Health, Auto, and Fire Insurance claims to customers and receive all claims from customers, filing them weekly with the insurance carrier.
• Maintain proper insurance claims records and reports on the insurance claims register located in the branch stat book.
• Direct all calls from attorneys, newspapers, reporters, etc. to the home office.
• Verify cash monthly by balancing cash drawers and maintaining cash count records.
• Exercise ownership in judgment when making decisions affecting the branch, its personnel, control of assets, and credit decisions.
• Approve all supply requisitions.
• Handle all customer inquiries and disputes.
• Protect all customer information, ensuring it is properly accounted for and stored securely each day before closing the office.

Expectations

• Meet or exceed the minimum loan business profit standard in the office each month.
• Extend credit per policy in a manner that does not result in unacceptable losses.
• Follow the collection routine per policy to avoid sub-standard operations and/or unacceptable losses.
• Minimize expenses and make sensible decisions to ensure the branch is efficient and profitable.
• Follow all Sunset Management’s policies and procedures and all applicable laws and regulations.
• Prepare, motivate, and retain all branch employees.